The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$119,750
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,475
−HK$3,784/mo
Today · 4.125%
HK$127,259
baseline
▲ 0.50% · 4.625%
HK$135,003
+HK$7,744/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$254,518/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,221
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,794
−HK$3,624/mo
Today · 4.125%
HK$140,418
baseline
▲ 0.50% · 4.625%
HK$147,820
+HK$7,402/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$280,836/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,700
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,170
−HK$4,541/mo
Today · 4.125%
HK$152,711
baseline
▲ 0.50% · 4.625%
HK$162,003
+HK$9,292/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$305,422/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,865
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,152
−HK$4,350/mo
Today · 4.125%
HK$168,502
baseline
▲ 0.50% · 4.625%
HK$177,384
+HK$8,882/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$337,004/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,650
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$172,865
−HK$5,298/mo
Today · 4.125%
HK$178,163
baseline
▲ 0.50% · 4.625%
HK$189,004
+HK$10,841/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$356,326/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,509
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$191,511
−HK$5,074/mo
Today · 4.125%
HK$196,585
baseline
▲ 0.50% · 4.625%
HK$206,948
+HK$10,363/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$393,170/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,550
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$222,255
−HK$6,812/mo
Today · 4.125%
HK$229,067
baseline
▲ 0.50% · 4.625%
HK$243,005
+HK$13,938/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$458,134/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,797
−HK$12,956/mo
▼ 0.25% · 3.875%
HK$246,228
−HK$6,525/mo
Today · 4.125%
HK$252,753
baseline
▲ 0.50% · 4.625%
HK$266,076
+HK$13,323/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$505,506/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,931 · Scale 2, in force from 26 Feb 2026)